3.9 / 5

Erie Auto Insurance Review

A regional carrier with low average premiums and great perks, Erie’s main drawback is that it’s simply not available in many states.

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Haley SprankleHaley SprankleReviews EditorHaley Sprankle is a former reviews editor at Policygenius who specializes in homeowners and auto insurance. Previously, she was a writer at Wirecutter and The New York Times.

Updated|4 min read

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  • check mark

    Low rates

  • check mark

    Great perks

  • check mark

    Customizable coverage


  • X mark

    Only available in 13 states

  • X mark

    No online claims filing


Erie was founded in 1925, and it’s faithfully served the Midwest ever since. Erie is only available in 13 states, but it offers great opportunities for savings and policy customization. This is a good company for folks in the region looking to pay less over time, especially if they have teenage drivers and want to use the Erie Rate Lock perk to keep their rates the same, even if they’ve filed claims.

Average annual premium cost for auto insurance coverage and number of discounts available.


Financial confidence
Financial ratings from credit rating agencies.


Third-party ratings
Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


Policy options
Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.


Customer experience
Ease of use, convenience, availability, points of contact, payment options, and claims ratings.


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The details

The good

Low rates. Average rates for Erie auto insurance customers are 31% less than the national average, making it a great choice for drivers looking to save a decent amount on their coverage.

Great perks. Not only does Erie offer accident forgiveness that comes standard with your coverage, but it also offers diminishing deductibles and an optional Erie Rate Lock feature, which are both great opportunities for saving money over time.

Customizable coverage. While Erie offers all of the standard coverage options most drivers will need, it also has unique options like coverage for your pets and better car protection.

The bad

Only available in 13 states. Though Erie has lots of great coverage options and lower-than-average rates, it’s not available to many people yet. Erie only offers coverage in 13 states, most of which are in the Midwest.

No online or mobile claims filing. All claims filing is done over the phone, which isn’t as convenient when you’re in a bind. You can monitor the status of your claims online and through the Erie mobile app.


Average annual premium cost for auto insurance coverage and number of discounts available.


Erie offers cheaper rates than most carriers, with an average annual premium of $1,157 for a full coverage policy, according to our analysis of data from Quadrant Information Services. That’s 31% less than the national average of $1,638. Erie keeps its rates low by being picky about who they insure, so drivers with poor records may not be able to get coverage.


Erie’s offers a handful of discounts, but all of them are fairly standard in the industry. Available discounts may include:

  • Safe driving discount. If you have a good driving record, meaning that you’ve had no at-fault accidents in the past few years, you could earn a discounted rate.

  • Multi-car discount. Lower your premium if you insure more than one vehicle on the same policy. 

  • Multi-policy discount. Bundling policies — like homeowners and auto insurance — could also lower your rates.

  • Reduced usage discount. In the event that you aren’t using your car for 90 (or more) consecutive days, you could get a discount on your premium. 

  • Young drivers discount. Drivers under 21 who still live at home may be eligible for a discounted premium.

  • Annual payment discount. Save if you opt to pay your premium annually rather than month-by-month.

Financial confidence

Financial ratings from credit rating agencies.


Understanding the financial health of a company is helpful when considering claims payouts and the overall longevity of the company that is insuring your assets. Only one of our trusted credit-rating agencies has rated Erie, but it earned high marks. Here’s how the score breaks down:

  • A.M. Best: A+

  • Moody’s: N/A

  • S&P: N/A

A.M. Best is one of the top credit rating agencies for insurance carriers. Erie earned a score of A+ (effective February 16, 2022), the second-highest score a company can receive.

Moody’s rates a company’s ability to pay back debts and assesses its financial standings as a whole. Moody’s has not rated Erie.

Standard & Poor’s (S&P) also rates companies based on its ability to payout claims and its overall financial performance. S&P has not rated Erie.

Third-party ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


It’s also great to get insight into how customers actually feel about their insurance company. We analyzed three trusted third-party review sites — Consumer Affairs, Consumers Advocate, and the National Association of Insurance Commissioners (NAIC)’s complaint index — and found that people seem to be satisfied with their Erie coverage overall. Here’s how the scores break down:

  • Consumer Affairs: 3.9/5

  • Consumers Advocate: 3.6/5

  • NAIC: 0.53

Consumer Affairs is a website that allows customers to directly rate companies. Erie has a score of 3.9 which is considered very good.

Consumers Advocate is a third-party company that rates companies based on a set criteria. Erie earned a score of 3.6, which Consumers Advocate considers very good.

The National Association of Insurance Commissioners (NAIC) rates companies based on the number of complaints they receive. Erie has a score of 0.53, which means the NAIC hasn’t received a substantial number of complaints about the company.

Policy options

Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.


Coverage options

Erie offers some unique ways to customize your policy alongside the standard coverage options. Your options include:

  • Liability coverage. Covers the costs if you damage someone else's car or injure another driver in an accident.

  • Personal injury protection. Helps cover the cost if you or your passengers are harmed in an accident (this is required in no-fault states).

  • Uninsured and underinsured motorist coverage. Covers you and your vehicle if someone with inadequate insurance, or without insurance, hits your car.

  • Comprehensive coverage. Covers the costs of any non-collision damage to your car including vandalism or theft.

  • Collision coverage. Covers the cost of the damage to your car in the case of an at-fault accident.

  • Gap coverage. Required by many lenders, “gap” coverage protects you in the event that a rented or leased vehicle is totaled and you owe more on the remainder of the lease or loan than the car was worth.

  • New car replacement coverage. If you total your vehicle and it’s under two years old, this coverage will pay to replace it with the latest model of that car.

  • Rental car coverage. This covers the cost of a temporary rental car if yours is in the shop after a covered accident.

  • Full window glass coverage. This waives the deductible for your glass repairs.

  • Pet injury coverage. If your pet is injured in a car accident, this coverage will help cover the costs of their associated vet bills.

  • Roadside Assistance. This 24/7 service provided by Erie can help you if you need anything from a flat tire to fuel delivery.

  • Ridesharing coverage. If you drive for ridesharing apps like Uber or Lyft, this coverage will protect you and your car while you’re on the clock.

  • Better car protection. This coverage pays to replace your totaled car with a car that’s two years newer.

Roadside assistance

If you add Roadside Assistance to your policy, you’ll have access to these services 24/7:

  • Lockout services

  • Flat tire changes

  • Towing

  • Jump starts for dead battery

  • Delivering fuel/fluids

Additional perks

After being an accident-free Erie customer for three years, you’ll earn complimentary accident forgiveness for your first at-fault accident. Three years is a long time, but you don’t have to pay to add Erie’s accident forgiveness to your policy — it’s standard for all accident-free customers.

Erie offers diminishing deductible perk, too. This means your deductible decreases by $100 for every year you are accident-free. This is a great opportunity to save a little money if you do have to file a claim someday.

You can also add Erie Rate Lock to your policy. This feature keeps your current rate steady, even if you file a claim. While this is an extra cost, we think it could be worth it for folks who think they’re at risk of filing a claim (I’m looking at you, parents of teenagers).

Other insurance products

  • Motorcycle insurance

  • RV insurance

  • Homeowners insurance

  • Boat insurance

  • Classic car insurance

  • ATV insurance

  • Renters insurance

  • Condo insurance

  • Flood insurance

Customer experience

Ease of use, convenience, availability, points of contact, payment options, and claims ratings.


Erie has a handful of digital tools, including a mobile app and live chat, but the claims filing is pretty analogue and there’s no usage-based tracking program offered. All claims filing has to be done over the phone, which means you can’t file a claim directly from the scene of an accident.

State availability

Erie is only available in 13 states. Those states are:

  • Illinois

  • Indiana

  • Kentucky

  • Maryland

  • New York

  • North Carolina

  • Ohio

  • Pennsylvania

  • Tennessee

  • Virginia

  • Washington DC

  • West Virginia

  • Wisconsin

Digital tools

  • Electronic policy delivery

  • Mobile app

  • Online and mobile billpay

  • FAQ and blog resources

  • Live chat with online account

Agent points of contact

  • Phone

  • Online

  • Mobile app

Ease of claims

If you need to make a claim, you can call the claims center or your agent to begin the process. From there, you can monitor your claims status online and through your Erie mobile app.

Payment methods

  • Phone

  • Mail

  • Online

  • App

  • Auto-pay

  • Multiple forms of payment accepted (debit/credit cards, bank accounts, etc)

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.